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Farmers State Bank
Dublin, GA · FDIC Certificate #19720 · Chartered 01/0
Total assets
$156.23M
Total deposits
$134.31M
Total equity
$20.28M
Net loans
$121.31M
Branches (offices)
3
Net income (YTD)
$1.68M
Rank: #3,259 of 4,213 U.S. banks by assets · #101 of 123 in Georgia. Assets changed 1.5% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.15% |
| Return on equity | 16.79% |
| Net interest margin (YTD) | 5.44% |
| Equity to assets | 12.98% |
| Tier 1 leverage ratio | 13.92% |
| Uninsured deposits (share of deposits) | 15.1% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 90.3% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $105.72M | 87.1% | |
| Commercial & industrial | $8.98M | 7.4% | |
| Consumer / individual | $9.64M | 7.9% | |
| Construction & development | $6.90M | 5.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $159.59M | $144.44M | $836.00K | $14.80M |
| Jun 2023 | $144.17M | $127.55M | $1.56M | $16.12M |
| Jun 2024 | $146.92M | $128.80M | $1.31M | $16.95M |
| Jun 2025 | $153.86M | $133.99M | $1.49M | $18.28M |
| Jun 2026 | $156.23M | $134.31M | $1.68M | $20.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $134.31M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.31M.
Similar-sized banks
Oakwood Bank ($156.35M) · Bank Of Winnfield & Trust Company ($155.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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